1 Commission special is for applications received between October 8, 2012 and January 31, 2013. Applications received prior to October 8 or after January 31, 2013 will receive lower commissions. Rates shown are street level commissions and are subject to change.

2 Reduced by 1.00% in the states of Alaska, Connecticut, Delaware, Florida, Minnesota, Ohio, South Carolina, Texas and Utah.

3 Reduced by .50% in Washington. Reduced by 1.00% in the states of Alaska, Delaware, Maryland, Minnesota, Ohio, Oklahoma, Oregon, South Carolina, Texas and Utah.

4 Available to ages 0-75 if sold without the Optional Income Benefit Rider.